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Acknowledgment of Disclosures and Authorization
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington. Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services. APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid. We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour. APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment. You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints. Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights. APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.I agree that: A.I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information"). B.APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink. C.APFM may send all communications to me electronically via e-mail or by access to an APFM web site. D.If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records. E.This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year. F.You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
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Mostly Independent
Your loved one may not require home care or assisted living services at this time. However, continue to monitor their condition for changes and consider occasional in-home care services for help as needed.
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The 5 year look back by Medicaid begins when a person applies for Medicaid. I can understand why you want to pay for his care so that his niece and nephew's college cost won't be counted as "gifts" from his assets.
Medicaid will advise you what the rules are for your State, and what you would need to do.
Hopefully Igloo, who is a writer on these forums, will come in to give advice as she is very familiar with issues like this. Not sure how Medicaid handles other family members paying for long-term-care.
Medicaid although a federal & state joint program is administered uniquely by each state within some department in state government. So exactly how it will b done will vary. But in general, the date of the Medicaid application is when the 5 year look back starts. So any gifting or transfers of assets within that 5 yr window can be subject to a transfer penalty. Medicaid applications will require a paper trail of their bank statements, IRS stuff, awards letters, real property ownership, life insurance policies, etc. so there will be easily found out reporting on assets and income.
Now add into all this is that the transfer penalty is done by a formula based on just what your state has as its medicaid daily room & board reinbursement rate. Like for TX, medicaid is within THHS but done by TXDADS division and for TX the daily r&b is roughly $155.00 a day (btw this is really really low). But many east coast states have their r&b pegged at $300 a day. So a 50k transfer penalty is going to take almost double the # of days to work through than a higher paying east coast state. The penalty has a formula that is based on days rather than the $ amount too.
Before you get yourself too deep n all this, really, please, please, please take a clear look at the costs on the facility over time. Many places easily run over 10k a month and you will have to sign off most likely a legally binding contract to be financially responsible for all charges. Going private pay can often have all sorts of add on fees so the base rate of say 1ok a month can go to 12/14k with incidentals factored in. Private pay usually doesn't not have the set pricing that Medicaid requirs of a faculty. Comprende?
As a mom of a college freshman, I totally understand the pinch of college costs. Omg the whole meal plans is a scam! But unless you have oodles of your own $, you are going to have to make a full family meetng & decision on how to deal with uncles $ and his needs. The kids can get a stafford and can do work study and you all can do financial aid for them. Really you may want to get your taxes done ASAP in January to get on doing the fafsa and getting fnancial aid & perhaps being able to return some of uncles $ for his care.
5 (2021) years is a long time and things can change for everbody in this scenario but one thing that won't change is that the costs of his care will never ever get cheaper or decrease in need.
Freq - medicaid looks at the applicants finances to determine eligibility. If family gives $ regularly to their elder, it will cause a glitch in the Medicaid application as it will show up as a deposit & throw off what their actual income is.
At a NH, Medicaid does not allow for family to pay for an private room upgrade. From what I've gathered this is something that families often want to do but Medicaid does not allow this.....Medicaid requires shared rooms whenever possible. Now family can pay for an outside sitter or companion IF the facility will allow for this. Most won't as there's a whole liability issue. My late MILs old NH in New Orleans had several ladies who had regular " sitters" who had been their sitter before their move to theNH. The NH basically looked the other way on all this but did charge the resident for their meals.
Igloo572, thank you for the info about family paying for care. I had been worrying about that with my ex-Mom-in-law as couple times a year I will send her a nice check for her birthday and Christmas. She's not in a nursing home, yet.
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
Medicaid will advise you what the rules are for your State, and what you would need to do.
Hopefully Igloo, who is a writer on these forums, will come in to give advice as she is very familiar with issues like this. Not sure how Medicaid handles other family members paying for long-term-care.
Now add into all this is that the transfer penalty is done by a formula based on just what your state has as its medicaid daily room & board reinbursement rate. Like for TX, medicaid is within THHS but done by TXDADS division and for TX the daily r&b is roughly $155.00 a day (btw this is really really low). But many east coast states have their r&b pegged at $300 a day. So a 50k transfer penalty is going to take almost double the # of days to work through than a higher paying east coast state. The penalty has a formula that is based on days rather than the $ amount too.
Before you get yourself too deep n all this, really, please, please, please take a clear look at the costs on the facility over time. Many places easily run over 10k a month and you will have to sign off most likely a legally binding contract to be financially responsible for all charges. Going private pay can often have all sorts of add on fees so the base rate of say 1ok a month can go to 12/14k with incidentals factored in. Private pay usually doesn't not have the set pricing that Medicaid requirs of a faculty. Comprende?
As a mom of a college freshman, I totally understand the pinch of college costs. Omg the whole meal plans is a scam! But unless you have oodles of your own $, you are going to have to make a full family meetng & decision on how to deal with uncles $ and his needs. The kids can get a stafford and can do work study and you all can do financial aid for them. Really you may want to get your taxes done ASAP in January to get on doing the fafsa and getting fnancial aid & perhaps being able to return some of uncles $ for his care.
5 (2021) years is a long time and things can change for everbody in this scenario but one thing that won't change is that the costs of his care will never ever get cheaper or decrease in need.
At a NH, Medicaid does not allow for family to pay for an private room upgrade. From what I've gathered this is something that families often want to do but Medicaid does not allow this.....Medicaid requires shared rooms whenever possible. Now family can pay for an outside sitter or companion IF the facility will allow for this. Most won't as there's a whole liability issue. My late MILs old NH in New Orleans had several ladies who had regular " sitters" who had been their sitter before their move to theNH. The NH basically looked the other way on all this but did charge the resident for their meals.